Jeremy Guajardo is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 15 years of industry experience. He has been with J.P. Morgan Securities and Jpmorgan Chase Bank, N.A. since 2012. Outside of his advisory role, he is a co-owner of H2 Dream LLC, an LLC focused on short-term rental property investments. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm combines institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Judy Kim is a financial advisor with Ameriprise in Irvine, CA, holding a Series 66 designation and 20 years of industry experience. She has been with Ameriprise and its affiliated entities since 2006. Ameriprise provides retirement-income planning services targeted at individuals approaching or in retirement who meet specific asset criteria. The firm combines research, modeling, and tax-efficiency analysis to deliver written recommendation reports, emphasizing assets held in Ameriprise-managed accounts and utilizing algorithmic automation overseen by a dedicated committee.

Karen Dryer is a financial advisor at UBS Financial Services with 18 years of industry experience. She has been with UBS since 2007 and holds a Series 66 designation. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning, portfolio management, and mutual fund distribution. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor investment strategies.

Christopher Schmitt is a financial advisor at Thrivent Investment Management with eight years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Equitable Advisors, U.S. Bancorp Investments, and MUFG Union Bank. Schmitt is based in Rancho Palos Verdes, CA. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers holistic, goal-based planning across a broad range of topics, with options to combine planning with managed-account programs under a consolidated billing system.

Jeff Clark is Vice President and Wealth Planner at Fidelity Investments, a role he has held since 2025. He has been with Fidelity since 2021, progressing through positions including Financial Consultant, Planning Consultant, and Financial Representative. Prior to joining Fidelity, Jeff gained experience as a Senior Financial Planner at Reilly Financial Advisors from 2019 to 2021, a Retirement Plan Consultant at Aldrich Wealth, LP from 2015 to 2019, a Financial Advisor at Ameriprise Financial Services from 2011 to 2014, and a Paraplanner at Ameriprise Financial Services from 2010 to 2011. Jeff holds a California Insurance License. His professional focus is on helping clients develop robust financial plans to build long-lasting partnerships and optimize their financial outcomes. Outside of his professional work, Jeff has interests in baseball, camping, military service, movies, music, and parenthood.

Susan Powell is a Certified Financial Planner® (CFP®) affiliated with LPL Financial, with 26 years of industry experience. She has worked with LPL Financial and its predecessor since 2002. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services supported by a variety of model portfolios, research, and technology solutions.

Megan Stirrat is a financial advisor with LPL Financial, holding a Series 66 designation and 26 years of industry experience. She has previously worked at Merrill and Bank of America, N.A., with tenures spanning from 1999 to 2023. Megan is involved with an exclusive insurance brokerage in addition to her advisory role. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm provides financial planning, various advisory programs, and portfolio management supported by research from LPL and third-party subadvisors.

Robert Johnston is a financial advisor at Edward Jones with 26 years of industry experience. He holds the Series 66 credential and has been with Edward Jones since 2009. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a large network of financial advisors and branch offices nationwide.

Travis Macaluso is a financial advisor with Edward Jones in Mission Viejo, CA, holding a Series 66 designation and 12 years of industry experience. He has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Matthew Adlard is a Planning Consultant currently working at Fidelity Investments since 2026. He has a professional background in financial advisory roles, having served as a Senior Financial Advisor at LPL Financial from 2025 to 2026 and as a Wealth Strategy Associate at UBS Financial Services from 2016 to 2024. In his role, Matthew focuses on understanding the priorities of his clients and their families to develop financial plans that align with their goals. He aims to educate and support clients through the planning process. Matthew holds a California Insurance License.

James Lin is a financial advisor at Stifel with 14 years of industry experience. He holds a Series 66 designation and previously worked at Merrill from 2010 to 2019 before joining Stifel in 2019. Outside of his advisory role, he serves as a Notary Public with the National Notary Association. Stifel serves a diverse client base including individuals, institutions, and charitable organizations, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology through its Investment Strategy Group to support client asset allocation and planning decisions.

Nikou Moshtaridoust is a financial advisor at J.P. Morgan Securities with six years of industry experience. She holds Series 66 and Series 63 licenses and has worked at J.P. Morgan Securities since 2019. Moshtaridoust is also involved with Snapshop LLC since 2026. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset allocation, investment manager searches, and customized performance reporting. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Graham Grisoli is a financial advisor with Mass Mutual Investors Services in San Juan Capistrano, CA, holding Series 63 and Series 66 credentials and 17 years of industry experience. His prior roles include positions at Edward Jones Investments and Transamerica Capitol Inc. Outside of his advisory work, he oversees the management of a personal residential rental property. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, structuring engagements as annual collaborative relationships that focus on goal analysis and written recommendations.

Mary Foft is a financial advisor with Cambridge Investment Research Advisors in Tustin, CA, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. She has worked with Cambridge Investment Research Advisors since 2014 and has operated as an independent professional since 1995. Outside of her advisory role, she serves on multiple nonprofit and philanthropic boards and works as a freelance writer. Cambridge Investment Research Advisors is a large SEC-registered firm that serves individuals, retirement plans, charitable organizations, and trusts through independent financial professionals. The firm offers financial planning, investment management, and retirement advisory services using a variety of portfolio management strategies and custody platforms tailored to client objectives.

Scott O'Brien is a financial advisor at Fisher Investments with 27 years of industry experience. He has been with Fisher Investments since 2002 and holds Series 63 and Series 65 licenses. Outside of his advisory work, he serves as president of a food cleaning systems and internet marketing company and is a volunteer board member of the Live Like Jo Jo Foundation, a nonprofit supporting terminally ill children. Fisher Investments serves a diverse global client base including institutional investors and high-net-worth individuals, providing discretionary portfolio management across multiple asset classes. The firm uses a centralized investment process combining quantitative and qualitative research and employs risk management techniques such as derivatives and tax-loss harvesting.

Nicholas Garl is a CFP® professional with 10 years of industry experience, currently serving as a financial advisor at Edward Jones since 2016. He holds a Series 66 license and is based in Tustin, CA. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, managing approximately $1.01 trillion in assets.

Frederick Sanchez is a CFP®-certified financial advisor with 43 years of industry experience, currently with LPL Financial since 2024. He previously worked for Crown Capital Securities, LP for 10 years and has operated South Orange County Tax Service since 1983. Sanchez is also involved in tax preparation and accounting services through his longstanding business, South Orange County Tax Service. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations. The firm offers a broad range of advisory programs and financial planning services, supported by research, model portfolios, and diverse investment strategies.

Robert Brown is a financial advisor with Morgan Stanley who holds a Series 63 designation and has 42 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2012 and Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, Brown serves on various local government and political committees, including positions with Orange County and the City of Laguna Niguel. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and delivers a range of investment and planning services through its Financial Advisors and Estate Planning Strategies Group.

Titus Lobo is a Series 66 licensed financial advisor with Morgan Stanley in Laguna Niguel, CA, having 10 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2016. Outside of his advisory role, he is involved in property management as the sole proprietor of a rental property business. Morgan Stanley Wealth Management serves both individual and institutional clients, providing tailored financial planning and a broad range of investment advisory programs. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning processes that incorporate firm-approved tools and market outlook models.

Sahej Bhasin is a financial advisor at Charles Schwab with a Series 66 designation and two years of industry experience. His career includes roles at Charles Schwab Bank SSB, Charles Schwab & Co., Inc., and UBS Financial Services. He also has experience at Pepperdine University. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, combining non-discretionary client advisory with access to discretionary separately managed accounts and a structured alternative investment offering.